The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Limited Time: Earn 75k bonus miles + $300 stays credit
If you’re interested in transferable credit card miles and solid cash-back rewards, we recommend checking out TPG’s top picks for the best Capital One credit cards. Capital One offers cardholders many benefits, including several ways to earn cash back and miles across its credit card portfolio. You can even transfer miles from select cards to 15-plus transfer partners — most of which offer a 1:1 transfer ratio.
Because Capital One offers so many flexible options for cardholders — ranging from cards with no annual fee to premium cards for frequent jet-setters and ones that offer generous cash-back rewards in varying categories — you’re bound to find a solid option that suits your spending habits.
Below, review our curated selection of the best Capital One cards from our partners.
MoreDetails
“More details on the best Capital One cards”
At TPG, we’re big on earning welcome bonuses — especially when they’re elevated. We included cards with welcome bonuses that feature varying minimum spend thresholds to fit different budgets.
Our top picks feature annual fees that start at $0 and go up from there to provide a wide range of benefits for cardholders at every price point.
The best Capital One cards feature popular bonus categories to help cardholders maximize their rewards.
Our picks provide you with different ways to redeem rewards — whether it’s cash back, points or miles.
Extra benefits played a role in which cards we chose as well. We considered bonus categories, elevated earning rates, travel protections and more.
A TPG survey has shown that Capital One is quickly gaining ground on other popular card issuers as 39% of our readers chose to add a consumer Capital One card with transferable rewards to their wallets.
The best Capital One credit card will vary from person to person. You should make your choice based on what categories you spend the most in, what types of rewards you want to earn and whether or not a specific card has valuable transfer partners if you’re on the hunt for a travel card.
Here are some of the main points to consider when choosing a Capital One credit card:
Earning a sign-up bonus is a great way to take advantage of boosting the number of points, miles or cash back you’ve got saved up. Choose a Capital One card that features a decent bonus you can utilize for travel, as a statement credit or as a cash deposit into your bank account. Just make sure you opt for a sign-up bonus that fits your spending habits and budget.
Depending on what you plan to use your Capital One card for, you may want to consider a no annual fee option or a premium card with a more expensive annual fee that offers premium earning rates and benefits.
The best Capital One credit cards offer popular bonus categories in which you can maximize your spending and reward earnings. Opt for the card that best matches the areas in which you spend the most money.
If you're sitting on a bunch of miles, here are some ways to get the most value out of them
Capital One has focused on providing customers a good value in terms of earning and redeeming miles or cash-back rewards. Capital One cards are versatile and flexible. Therefore, whether you’re an individual or a business or looking to earn miles or cash back, Capital One has a card that can help you achieve your travel goals.
While some Capital One credit cards, like the Capital One Venture X Rewards Card, may require an “excellent” (700 or above) credit score, other cards, like the Capital One Savor Student Cash Rewards Credit Card, may require a “fair” (580-669) credit score. Luckily, Capital One offers an online preapproval tool — with no harm to your credit — to let you find out which cards you are approved for.
There is a limit of two Capital One credit cards per person. However, the Capital One Platinum Secured Credit Card and Capital One’s cobranded cards are not included in the limit.
First, closing a credit card may negatively affect your credit score. However, if you wish to proceed with canceling your Capital One credit card because you either are no longer using the card or the rewards are not beneficial to your lifestyle, Capital One recommends doing the following:
Best for travel rewards
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
Limited Time: Earn 75k bonus miles + $300 stays credit | travel rewards | Earn more than $1,000 in Travel Bonuses | 2 - 5X miles | $95 | Apply now at Capital One's secure siteSee rates & fees |
What's your favorite Capital One card — and why?
Capital One Venture X Business“I get unlimited access to Capital One lounges with Venture X Business — and they are truly a destination unto themselves. I value time with my son, so I can enjoy time in the family room or sneak in a yoga session or even a Peloton ride at select locations in between flights.”
Capital One Venture Rewards Credit Card“I’ve had my Capital One Venture card since 2015. I continue to love how it offers at least 2 miles per dollar on all purchases, and I appreciate that now I can transfer my rewards to a variety of airline and hotel partners instead of only having access to fixed-value redemptions.”
Capital One Venture X Rewards Credit Card“I love that I earn at least 2 miles per dollar on every purchase with the Venture X, but the premium perks are what keeps this card in my wallet — including $300 in annual credit through Capital One Travel plus extensive lounge access for me and my family when traveling.”
| premium travel |
| Earn 75,000 bonus miles |
| 2 - 10X miles |
| $395 |
| at Capital One's secure siteSee rates & fees |
| businesses with high spending |
| Earn 150,000 bonus miles |
| 2 - 10X miles |
| $395 |
| at Capital One's secure siteSee rates & fees |
| flat-rate business cash back rewards |
| Earn $1,000 cash back |
| 2 - 5% cash-back |
| $0 intro for first year; $95 after that |
| at Capital One's secure siteSee rates & fees |
| unlimited business cash back |
| Earn $2,000 |
| 2 - 5% cash-back |
| $150 |
| at Capital One's secure siteSee rates & fees |
| high-spending businesses that want simple travel rewards |
| Earn 100,000 Miles |
| 2 - 5X miles |
| $95 |
| at Capital One's secure siteSee rates & fees |
| travel rewards with no annual fee |
| Earn a bonus of 20,000 miles |
| 1.25 - 5X miles |
| $0 |
| at Capital One's secure siteSee rates & fees |
| flat-rate cash back |
| Earn a one-time $200 cash bonus |
| 1.5 - 5% cash-back |
| $0 |
| at Capital One's secure siteSee rates & fees |
| entertainment |
| Earn $200 Cash Back |
| 1 - 8% cash-back |
| $0 |
| at Capital One's secure siteSee rates & fees |
| Rate | Category |
|---|---|
| 5X miles | Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 2X miles | Earn unlimited 2X miles on every purchase, every day |
Earn more than $1,000 in Travel Bonuses
$95
19.74% - 28.74% (Variable)
670-850
Excellent, Good
When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card.
When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card.
Best for travel rewards
Earn more than $1,000 in Travel Bonuses
$95
19.74% - 28.74% (Variable)
670-850
Excellent, Good
When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card.
Best for premium travel
If you can maximize the $300 credit for bookings through Capital One Travel, the Venture X’s annual fee effectively comes down to $95, making it one of the strongest options out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Best for premium travel
Best for businesses with high spending
The Capital One Venture X business card has all the Capital One Venture X Reward Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
Best for businesses with high spending
Best for flat-rate business cash back rewards
The Capital One Spark Cash credit card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that has a $0 intro annual fee in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
Best for flat-rate business cash back rewards
Best for unlimited business cash back
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Best for unlimited business cash back
Best for high-spending businesses that want simple travel rewards
The Capital One Venture Business card offers a straightforward way for established businesses to earn travel rewards on everyday spending. Cardholders earn unlimited 2 miles per dollar spent on all purchases and 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel. With flexible redemption options, transferable miles and valuable annual credits, the card is designed for businesses that want a simple rewards structure paired with travel-focused benefits.
Best for high-spending businesses that want simple travel rewards
Best for travel rewards with no annual fee
If you feel like paying an annual fee negates your will to learn about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee and a simple 1.25 miles per dollar rate on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 15+ airline and hotel partners. Read our full review of the Capital One VentureOne Rewards Credit Card.
Best for travel rewards with no annual fee
Best for flat-rate cash back
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.
Best for flat-rate cash back
Best for entertainment
The Capital One Savor is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
Best for entertainment
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Nick Ewen is TPG's editor-in-chief and helps readers leverage credit cards (he has more than 25 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Compliance associate Lakeisha Robinson has 12 years of compliance experience. She uses her credit card knowledge, passion for travel and general compliance rules to ensure that she and her team share the most accurate and compliant content with TPG readers.
| Rate | Category |
|---|---|
| 10 Miles | 10 Miles per dollar on hotels and rental cars booked through Capital One Travel |
| 5 Miles | 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel |
| 2 Miles | 2 Miles per dollar on every purchase, every day |
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
Excellent
If you can maximize the $300 credit for bookings through Capital One Travel, the Venture X’s annual fee effectively comes down to $95, making it one of the strongest options out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
Excellent
If you can maximize the $300 credit for bookings through Capital One Travel, the Venture X’s annual fee effectively comes down to $95, making it one of the strongest options out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
| Rate | Category |
|---|---|
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Earn 150,000 bonus miles
$395
25.99% (Variable)
740-850
Excellent
The Capital One Venture X business card has all the Capital One Venture X Reward Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
Earn 150,000 bonus miles
$395
25.99% (Variable)
740-850
Excellent
The Capital One Venture X business card has all the Capital One Venture X Reward Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit and lounge access. Read our full review of the Capital One Venture X Business card.
| Rate | Category |
|---|---|
| 2% | Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions |
| 5% | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel |
Earn $1,000 cash back
$0 intro for first year; $95 after that
24.74% (Variable)
740-850
Excellent
The Capital One Spark Cash credit card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that has a $0 intro annual fee in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
Earn $1,000 cash back
$0 intro for first year; $95 after that
24.74% (Variable)
740-850
Excellent
The Capital One Spark Cash credit card is a solid small business card that offers 2% cash back on all purchases and a generous welcome offer. This card features an annual fee of $95 that has a $0 intro annual fee in the first year of membership and also provides business owners with additional perks like itemized reports and no foreign transaction fees when purchasing abroad.
| Rate | Category |
|---|---|
| 2% | 2% cash back on every purchase |
| 5% | 5% cash back on hotels and rental cars booked through Capital One Business Travel |
Earn $2,000
$150
25.99% (Variable)
740-850
Excellent
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Earn $2,000
$150
25.99% (Variable)
740-850
Excellent
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
| Rate | Category |
|---|---|
| 2X miles | Earn 2X miles per $1 on every purchase, everywhere |
| 5X miles | Earn 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel |
Earn 100,000 Miles
$95
24.74% (Variable)
740-850
Excellent
The Capital One Venture Business card offers a straightforward way for established businesses to earn travel rewards on everyday spending. Cardholders earn unlimited 2 miles per dollar spent on all purchases and 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel. With flexible redemption options, transferable miles and valuable annual credits, the card is designed for businesses that want a simple rewards structure paired with travel-focused benefits.
Earn 100,000 Miles
$95
24.74% (Variable)
740-850
Excellent
The Capital One Venture Business card offers a straightforward way for established businesses to earn travel rewards on everyday spending. Cardholders earn unlimited 2 miles per dollar spent on all purchases and 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel. With flexible redemption options, transferable miles and valuable annual credits, the card is designed for businesses that want a simple rewards structure paired with travel-focused benefits.
| Rate | Category |
|---|---|
| 5X miles | Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 1.25X miles | Earn unlimited 1.25X miles on every purchase, every day |
Earn a bonus of 20,000 miles
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
If you feel like paying an annual fee negates your will to learn about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee and a simple 1.25 miles per dollar rate on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 15+ airline and hotel partners. Read our full review of the Capital One VentureOne Rewards Credit Card.
Earn a bonus of 20,000 miles
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
If you feel like paying an annual fee negates your will to learn about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee and a simple 1.25 miles per dollar rate on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 15+ airline and hotel partners. Read our full review of the Capital One VentureOne Rewards Credit Card.
| Rate | Category |
|---|---|
| 5% | Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 1.5% | Earn unlimited 1.5% cash back on every purchase, every day |
Earn a one-time $200 cash bonus
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.
Earn a one-time $200 cash bonus
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.
| Rate | Category |
|---|---|
| 8% | Earn 8% cash back on Capital One Entertainment purchases |
| 5% | Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 3% | Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services |
| 1% | Earn 1% cash back on all other purchases |
Earn $200 Cash Back
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Capital One Savor is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
Earn $200 Cash Back
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Capital One Savor is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
